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Ep 106: Mortgage Lending Standards with Kevin Erdmann (Incentives Series pt. 8)
UCLA Housing Voice
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UCLA Housing Voice
Ep 106: Mortgage Lending Standards with Kevin Erdmann (Incentives Series pt. 8)
Jan 21, 2026
Season 5
Episode 10
UCLA Lewis Center for Regional Policy Studies
Was the housing market really oversupplied in the mid-2000s? Kevin Erdmann says no, and he explains how this misunderstanding is at the root of present-day affordability problems. This is part 8 of our series on misaligned incentives in housing policy.
Read about the Lewis Center's work at lewis.ucla.edu.
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Show notes:
- Erdmann, K. (2018). Housing Was Undersupplied during the Great Housing Bubble. Mercatus Center.
- Erdmann, K. (2024). Getting Corporate Money Out of Single-Family Homes Won’t Help the Housing Affordability Crisis. Mercatus Center.
- Erdmann Housing Tracker: Mortgages Outstanding by Credit Score
- Erdmann Housing Tracker: Follow-Up: Mortgages by Credit Score
- Erdmann, K. (2021). A Suggested Mortgage Amortization Structure: Fixed Amortization, Adjustable Principal. Mercatus Center.
